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Forum » How much a month would you have to Net to live comfortably.
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Thread: How much a month would you have to Net to live comfortably.

post 1580558401 05-21-2019, 12:53 PM
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#31
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OP we know you don’t make that kind of money, but I’ll play along.

Comfortable = $12k month net or $18k gross

Mid west city, no kids. No baller by any means, basic bachelor middle class lifestyle.
post 1580558491 05-21-2019, 12:54 PM
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Originally Posted By UknowWho11⏩
600 a month for me is plenty since I dont pay rent and in my country (Europe) cost of life is dirt cheap
where in Europe brah?
post 1580558501 05-21-2019, 12:55 PM
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#33
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When you actually make 8-10k you find you blow through it WAY faster than you think. The expenses associated with making that money go up a lot.
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post 1580559221 05-21-2019, 01:05 PM
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Originally Posted By Dec4y⏩
When you actually make 8-10k you find you blow through it WAY faster than you think. The expenses associated with making that money go up a lot.
Yep. I might catch some hate for this but honestly if you make under $10k per month gross you have no business having kids. A) you can’t afford them B) we don’t want your poverty genes spread. Srs.
post 1580560631 05-21-2019, 01:24 PM
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#35
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10-12k/mo net is the sweet spot. Money for a nice house, nice cars, savings, vacations, etc. Cut back on a few niceties and your kids are in private schools, decent college, etc.

15-20k/mo net is where you're on a completely different level of living.


Of course if you live in a high COL chithole like LA or NYC, then bump those figures 25-50%.
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post 1580561171 05-21-2019, 01:31 PM
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#36
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My current 10 year goal is 10K passive income per month. I think that should be much more than comfortable.
post 1580561291 05-21-2019, 01:33 PM
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Well i'd say about 350k/mo GROSS, so depending on the country/state you're in, I'd say that's roughly 10k/day net.
post 1580561421 05-21-2019, 01:34 PM
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Originally Posted By inb4everything⏩
My current 10 year goal is 10K passive income per month. I think that should be much more than comfortable.
Ambitious goal but passive income is the way to go. Good luck.
post 1580564631 05-21-2019, 02:16 PM
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#39
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Originally Posted By Godfrd824⏩
I net maybe $7-8k, and my life is pretty comfortable. I don't need for anything, and my current long term goal in life is to make it so I can net a similar amount without having to go to work each day.
Why not invest into another house?

$7k is great. Limit your expenses, Save up 1 year of emergency savings, then go part time
Originally Posted By DrFeeIGood⏩
Yep. I might catch some hate for this but honestly if you make under $10k per month gross you have no business having kids. A) you can’t afford them B) we don’t want your poverty genes spread. Srs.
Strong troll bait.

$120k a year is about $175k gross. I'm willing to bet 90% of the misc wasn't raised on that


Anybody posting anything over $6k as a single male is delusional. A nice Condo $2000, A new BMW $800, Eating out 4x/wk $400. Vacations every summer $6000/year. That leaves you $2800 to save in the bank. That's more than comfortable. Of course it depends on where you live. Make it $10000 for a place like LA
post 1580565921 05-21-2019, 02:34 PM
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Seems that people just have very different definitions of "comfortable". A top 10% income is way beyond comfortable in my mind
post 1580566191 05-21-2019, 02:39 PM
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Prob 2k/mo usd just for me. 4k/mo with the wife.
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post 1580566431 05-21-2019, 02:44 PM
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About $3kish. I'd stay with my dad. House is paid off. Just need to make property taxes+utility+food+insurance+medical costs+some extra for maintaining home.

I'd want a lot more if I had my own family, but since I'm FA, I don't need much.
post 1580566831 05-21-2019, 02:51 PM
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#43
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id be fine with 1.5 but 2k is comfy
545/315/675
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post 1580567831 05-21-2019, 03:10 PM
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#44
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4 to 5k a month with taxes, retirement savings, etc. is the bare minimum for me.
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post 1580568561 05-21-2019, 03:22 PM
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#45
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Originally Posted By MikeLowrrrey⏩
Why not invest into another house?

$7k is great. Limit your expenses, Save up 1 year of emergency savings, then go part time





Strong troll bait.

$120k a year is about $175k gross. I'm willing to bet 90% of the misc wasn't raised on that


Anybody posting anything over $6k as a single male is delusional. A nice Condo $2000, A new BMW $800, Eating out 4x/wk $400. Vacations every summer $6000/year. That leaves you $2800 to save in the bank. That's more than comfortable. Of course it depends on where you live. Make it $10000 for a place like LA
See there's a giant list of **** you've left out as far as expenses and that's the difference between real life and armchair budgeting.
Groceries
Utilities
Car Insurance
Home insurance
Disability Insurance
Life Insurance
Medical/Dental Insurance
Childcare
School fees/extra
TV/Internet
Student Loan
401k IRA etc
There's a bunch more - but all this will eat into that cushy 2800 and leave you living paycheck to paycheck. Also the cost of these things go up exponentially when you do make more. I pay through the nose for disability insurance - but it's vitally important.
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post 1580569081 05-21-2019, 03:27 PM
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#46
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3k easily
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post 1580569211 05-21-2019, 03:30 PM
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If I took home 5 grand each month id pay all the bills a month early and play golf 4 times a month. I gross 5 grand though so living to pay bills.
post 1580571031 05-21-2019, 04:01 PM
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#48
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Originally Posted By Dec4y⏩
See there's a giant list of **** you've left out as far as expenses and that's the difference between real life and armchair budgeting.
Groceries
Utilities
Car Insurance
Home insurance
Disability Insurance
Life Insurance
Medical/Dental Insurance
Childcare
School fees/extra
TV/Internet
Student Loan
401k IRA etc
There's a bunch more - but all this will eat into that cushy 2800 and leave you living paycheck to paycheck. Also the cost of these things go up exponentially when you do make more. I pay through the nose for disability insurance - but it's vitally important.
$6,000 is about $110k before taxes. I've already account for health insurance/401k.

Car insurance already included with BMW $600 note $100 insurance + $100 in gas

At $110k salary I'm assuming school has been paid off way before then.

Utilities included with Condo
post 1580571191 05-21-2019, 04:03 PM
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#49
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Originally Posted By MikeLowrrrey⏩
$6,000 is about $110k before taxes. I've already account for health insurance/401k.

Car insurance already included with BMW $600 note $100 insurance + $100 in gas

At $110k salary I'm assuming school has been paid off way before then.

Utilities included with Condo
I just realized you are the car salesman troll. Seek help man, you are not well. And how the hell are you green.
post 1580572761 05-21-2019, 04:30 PM
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#50
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Originally Posted By DrFeeIGood⏩
I just realized you are the car salesman troll. Seek help man, you are not well. And how the hell are you green.
Read my post history LMAO

Don't get mad because I stated $10k to live comfortable is crazy. The average household income is what, $56k/ year. If you're making $4000 a month as a single male then you're ahead of the pack. If be very comfortable on $4000. Though it does depend on the city you live.
post 1580573601 05-21-2019, 04:46 PM
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#51
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If I have no debt and own my home? $3,500 / month for me and my lady would be more than enough to be comfortable.

My hobbies are cheap though and tbh I don't care much for luxuries. I save over half income as it is because I don't need it all.

I also drive a $6,000 car and live in an apartment complex made mostly of middle class, blue collar people who make the median household income. Many, for whatever reason, aren't happy with that lifestyle.
post 1580575191 05-21-2019, 05:11 PM
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#52
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We net between $20-35k a month combined between the wife and I... So... that much
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post 1580575931 05-21-2019, 05:21 PM
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12k sounds about right for pretty comfortable living. I could also downsize and survive on a 1/3 of that with relative ease.

Depends a lot on col. To be entirely honest it started as a joke, but currently thinking 350k is about where I want to be in the next few years (srs). Living comfortably is nice, but balling out is even better.
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post 1580576311 05-21-2019, 05:29 PM
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I can easily rot off of 1k per month.
post 1580576701 05-21-2019, 05:35 PM
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5k a month would pay all my bills, let me support my habits, and save money.
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post 1580576881 05-21-2019, 05:38 PM
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4k absolute minimum, making 5800 a month net at 40 hours a week now. Have made over 15k a month net in the past working big overtime, doesn't change anything, usually just end up spending more, always buying the bigger and better things.
post 1580577131 05-21-2019, 05:42 PM
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#57
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Make 3600 net and am comfortable living with a small mortgage and gf.
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post 1580577221 05-21-2019, 05:43 PM
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#58
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Originally Posted By LaCosaNostra90⏩
4k absolute minimum, making 5800 a month net at 40 hours a week now. Have made over 15k a month net in the past working big overtime,doesn't change anything, usually just end up spending more,always buying the bigger and better things.
The more you make, the more you spend.

Yes you have extra funds to poor into investments/retirements, but the money still goes out the door.


on a side note, OP hasn't ever made $5k/mo let alone double that.
post 1580577271 05-21-2019, 05:44 PM
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#59
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Everyone has a different version of what's comfortable. And for the most part spending habits and money management will dictate that more so then anything else.

I'm incredibly comfortable taking home 4,000 per month. To the point where I want for nothing. With that said, I'm debt free aside from my mortgage which is below 25% of my net pay) and have low living expenses.


Ideally I'd like about 10-12k per month but that's just what I would like, not what's necessary to live an awesome life.

Originally Posted By MajorTendonitis⏩
I don’t know how people do it ,as I’m single and gross a little over a 100K a year , and don’t have a lot of extra cash.
Going to suck being unemployed soon and living on 47k gross .
Canada is one hell of an expensive place to live though . Taxes are atrocious, whether it’s income, fuel, alcohol etc
High cost of living area people can't really compare. You might make 100K per year in Canada but you probably have less money/toys then people that make 40K per year in some midwest or southern state in the US.
post 1580577361 05-21-2019, 05:45 PM
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#60
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Originally Posted By RidiculousPrice⏩
where in Europe brah?
Portugal
Originally Posted By LaCosaNostra90⏩
4k absolute minimum, making 5800 a month net at 40 hours a week now. Have made over 15k a month net in the past working big overtime, doesn't change anything, usually just end up spending more, always buying the bigger and better things.
what do you work on brah?
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